Thawattchai Srithirach

Team Management and Leadership

• Led the loan approval team of 30 members, ensuring consistent achievement of 100% of the set targets every quarter
• Managed the recruitment and interview process for new team members, selecting qualified candidates who align with the company’s goals and values
• Conducted regular performance evaluations for each team member, identifying areas for improvement, and providing coaching to ensure they met their KPIs
• Worked closely with team members to resolve challenges, improve their operational efficiency, and foster a collaborative work environment

Loan Approval Process and Compliance

• Possess over 15 years of experience in the loan industry with comprehensive knowledge of all loan products and their specific approval criteria
• Gained in-depth experience in reviewing National Credit Bureau (NCB) reports, verifying application documents, assessing customer income, and evaluating credit risks
• Ensured strict adherence to company compliance standards while making loan approval decisions
• Applied fraud detection skills to filter out potentially fraudulent loan applications, enhancing security and improving the integrity of the loan approval process
• Completed specialized training in fraud detection and the verification of loan application documents, equipping me with the skills to effectively screen for fraudulent application materials

Training and Development

• Delivered training programs for team members, enhancing their skills in loan approval, fraud detection, and compliance with company policies
• Continuously provided guidance and support to team members, helping them to overcome obstacles and improve performance
• Developed and implemented strategies to ensure that team members could achieve the required KPIs and perform tasks efficiently

Process Improvement and Strategy Implementation

• Utilized extensive knowledge of loan products and approval criteria to identify bottlenecks and areas for improvement in the loan approval process
• Refined strategies and adjusted workflows to ensure smooth team operations and high productivity
• Regularly assessed team performance and decision-making processes, ensuring that they were aligned with risk management and compliance guidelines, resulting in more accurate and timely loan approvals

Credit Analysis and Risk Assessment

• Conducted basic credit evaluations by reviewing and analyzing financial statements, credit reports, and loan application documents to assess customer creditworthiness
• Verified the accuracy of financial documents and application data to ensure compliance with the company’s approval standards and regulatory guidelines
• Performed risk assessments based on the client's payment history, income verification, and credit bureau reports, ensuring alignment with company risk management policies
• Collaborated with clients to address discrepancies in submitted documents, assisting in the correction and resubmission of accurate materials
• Ensured the proper documentation and adherence to loan approval guidelines, contributing to a streamlined approval process and minimized risk

Compliance and Internal Processes

• Strictly followed internal policies such as KYC (Know Your Customer), customer verification, and script verification procedures to ensure compliance with both company and regulatory standards
• Worked closely with the operations team to maintain a high level of accuracy in loan processing by cross-checking all necessary documents and data entries
• Assisted in monitoring and enforcing adherence to internal credit policies, ensuring that all loan approvals were processed according to the company’s compliance framework

Training and Development

• Participated in internal training programs focused on loan assessment processes, fraud detection, and risk management strategies
• Applied newly acquired knowledge to enhance the quality of loan assessments, minimizing potential risks, and improving overall team efficiency